The Insider Exclusive Investigative News team has uncovered a story of AIG’s subsidiary, National Union Fire Insurance Company of Pittsburgh, PA, that they do not want anyone to know about. It’s one of the worst cases of insurance company abuse that we have ever seen.

In a perfect world insurance companies would always do the right thing. Yet in reality the industry harbors…. a dirty little secret.

“People are giving them money for something they will never receive”

“What that really means is they’re selling uncollectible insurance.”

Insurance Companies RULE our country.

They control our banking…. Look at AIG! TOO BIG TO FAIL!

They own WALL STREET. They catch a virus…. and Wall Street has Diarrhea for a week! And when Interest rates fall and their investment earnings plummet…..then they run to Congress and SCREAM “TORT REFORM”.

“Lawsuits are killing us…they scream…And those Greedy trial lawyers are to blame….. by filing frivolous lawsuits and convincing ignorant juries to dole out obscene verdicts”

BUT Ironically….. WHAT YOU DON’T KNOW…. Until now is… that Insurance companies regularly and deliberately invite lawsuits whenever the costs and hassles for a third party claimant look to exceed all potential for recovery.

Rather than just doing the right thing,Too many insurers prefer to play a game of litigation chicken….. …A frivolous lawsuit strategy in reverse…. Don’t like it? …Sue me.

So when AIG says:

We’re here to keep our promises
To have your back…when you need it the most
To help you realize a Better tomorrow
DON’T BELIEVE THEM ….They’re totally untrue…just like the promises and guarantees AIG’s subsidiary, National Union Fire Insurance Company of Pittsburgh, PA makes on ITS disability insurance coverage.

On December 30, 2012, Jaime Blanza, a 65-year-old semi-retired janitor, was helping his son-in-law repair a backyard fence. Jaime slipped, hit his head on the ground, and severed his spinal cord at C1-4, rendering him a quadriplegic.

Jaime Blanza and his wife had purchased accidental disability insurance through their credit card company, underwritten by National Union Fire Insurance Company of Pittsburgh, PA – a wholly-owned subsidiary of AIG. They had paid for the coverage for more than 10 years.

In March 2013, Mr. Blanza’s daughter, Mary Ann, submitted a claim for benefits on his behalf. She sent them all the medical records and photos showing her father were a quadriplegic resulting from his fall. AIG’s call-center would never confirm Mr. Blanza would be entitled to benefits following the one-year waiting period.

On September 23, 2013, they told her the claim had been “denied due to inactivity.” She immediately sent in all the records again by certified mail. They ignored her, wouldn’t confirm coverage, and wouldn’t pay, even after the one-year waiting period expired.

In January 2014, she again was told the claim was supposedly “in process.” The Blanzas needed the money to properly care for Jaime. The law firm of Pillsbury Coleman has been handling disability insurance bad faith cases for over 20 years, and this is one of the worst cases of insurance company abuse that they’ve have seen. The coverage was marketed as “Endorsed” by the late “Superman” actor Christopher Reeve. Mr. Blanza suffered the exact same injury.

National Union has been sued in class actions throughout the country for issuing this specific coverage in a false and misleading manner by not being clear about the narrow circumstances under which an insured would be entitled to benefits – total disability due to an accident with severed limbs, paraplegia or quadriplegia.

This case highlights the crooked world of accidental disability insurance sold through financial institutions. Unsuspecting credit card customers get inundated with solicitations for disability insurance with grand promises of income protection. But the fine print has severe limitations on coverage. And when somebody is horribly disabled and obviously entitled to benefits, their claim gets totally ignored. The most vulnerable among us are left powerless to get their benefits.

Throughout his career, Terrence has seen many innocent, hard-working people become “victimized” by their own insurance companies …. in the name of GREED ! AND BECAUSE OF THAT…..He is driven not ONLY To get Justice for these victims of INJUSTICE….

But to make sure that ALL POLICYHOLDERS Get 100% what their Insurance Companies Promised! AND… WHAT THEY PAID FOR…. PLUS get it….WITHOUT HASSLE…. AND…….. ON TIME

Terrence has earned the highest respect from citizens and lawyers alike…. as one of the best Trial lawyers in San Francisco …. In California ….. and across the nation. And he has built a substantial reputation nationwide by consistently winning cases other law firms have turned down. His amazing courtroom skills and headline grabbing success rate continue to provide his clients with the results they need……And the results they deserve.